How much money do you have for a down payment for a new rental and how much can you borrow? 

I have had to tell borrowers "are you sure you want to move forward with this?

Can you borrow against your current home?

Some lenders offer discounts to return borrowers so maybe look into both flip and DSCR rates when finding a lender. 

I would suggest approaching the borrower on an accelerated pay out with an incentive.

I see these borrowers doing the thing, so why not me? 

Of course your other debts including student loans go into the mix to come up with your total debt to income but the income needed  is a lot smaller then a lot of borrowers in your situation tend to  think.  

this is the distinct different between being an actual lender like a bank .. and an investor in a fund.. two very separate transactions.. when you lend and receive collateral on the asset you get paid when it pays off or the borrower refinances etc. 

We receive countless gifts and thank you cards from borrowers all over USA. 

@Chinku Chinku the rich get rich by making their money work for them.They borrow at one rate, to invest in something that returns a higher rate - they profit on the difference.Only you can evaluate your risk tolerence though.